Transunion kept late report, Experian and Equfax are clear!

Transunion kept late report, Experian and Equfax are clear!
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#1

Hi NerWallet people,

I am so glad that I have a chance to write you and get some help. I will be short, and not want to take your time a lot.

I have Citibank credit card, and I have late fee 30day reported to equifax this year in February. I did my research, and tried the goodwill letter and sent them explanation why it happened via certified mail. After a month, I received the dispute letters and emails from equifax.

I quickly realized, that that Citibank doing something in my favor. I was so happy, because after that my credit report was cleared and my fico went up to 60 and reach the 800ish. But after a month, transunion lowered my score, and reported that late fee in their records. I called back and forwards, no one took care of that. I opened dispute with them many times, asking that Citibank already cleared from my equifax, why they keep that? they told me many times, that my creditor citibank sent that, so I need to ask them to clear that. I called many times to Citibank, they said, “we are not reporting Transunion, we work only with Equifax”. So, i really confused, 10 days ago, I pulled my credit report from 3 agencies, printed out, and sent to Transuion, to show that no Equifax, no Experian has that late, my record is clear, only they carry that late. But they still didn’t resolve this issue, i got the mail from Citibank, that my account is correct… you know the standard mail. So, I want to ask you to help me what to do??? what steps should I do to solve this issue? please help…

thank you in advance,

Sincerely,

Aram M.


#2

Hi, @armanukyan76. Sorry you’re having such a hard time. Citibank reports to all three bureaus, so not sure why you’re being told it doesn’t.

Unfortunately, continuing to dispute a problem electronically or by phone without providing additional documentation could lead the bureau to dismiss your legit problem as someone making frivolous complaints.

If it were me, I’d try to get a letter from Citibank saying that the account was not late. I would mail that, along with a letter detailing which account is being incorrectly reported. Send it certified mail, return receipt requested. Here’s the address:

Equifax
PO Box 740256
Atlanta, GA 30374-0256

Please let us know what happens.


#3

thank you so much, i will try to call citibank, tough they are very limited support. also want to as, you mentioned equifax address, but i have an issue with transuion, did you mean that one? I also applied for CFPB complaint as I was despirate and no power ro fight after many disputes…
I also requested citibnak to send me my payment histories, i don’t know it this will help in my situation.

thank you so much again,
Best,
Aram M


#4

Apologies…here’s TransUnion’s address:

TransUnion Consumer Solutions
P.O. Box 2000
Chester, PA 19016-2000


#5

got it, thanks a lot…


#6

Status
Company responded on 11/22/2019
Response Type
Closed with explanation

Company’s Response
After careful review, we have determined your complaint includes a dispute of information appearing on your credit report; therefore, we have forwarded your complaint to our consumer relations center for processing. Consumer Relations will enter your dispute into our system and review all information and any additional documentation you provide to determine next steps. We may also need to contact the data furnisher to verify the current status of the account. If the item has been disputed previously and verified as accurate, we will review any new information you are able to supply to determine whether we can take action. Within 30 days, we will close out your dispute and advise you of the results in writing. If after the completion of our investigation you have questions regarding the results, we encourage you to contact the creditor(s) directly. The business name, address, and, if available, telephone number of the source(s) of information contacted in connection with your dispute can be found in the “Investigation Results” document sent at the conclusion of your investigation. If you need to dispute information on your credit report in the future, you may dispute directly with TransUnion online at https://www.transunion.com/credit-disputes/dispute-your-credit. Should you have any further questions, please contact • www.transunion.com • (800) 916-8800 • P.O. Box 2000 Chester, PA 19016-2000


#7

hi dear, i just received the letter from cfpb with transunion closed statemnets, they processed as dispute and the result as always, they didn’t change anything, as all looks good for them… I am really upset, i don’t know how to fight with this issue.

Status
Company responded on 11/22/2019
Response Type
Closed with explanation

Company’s Response
After careful review, we have determined your complaint includes a dispute of information appearing on your credit report; therefore, we have forwarded your complaint to our consumer relations center for processing. Consumer Relations will enter your dispute into our system and review all information and any additional documentation you provide to determine next steps. We may also need to contact the data furnisher to verify the current status of the account. If the item has been disputed previously and verified as accurate, we will review any new information you are able to supply to determine whether we can take action. Within 30 days, we will close out your dispute and advise you of the results in writing. If after the completion of our investigation you have questions regarding the results, we encourage you to contact the creditor(s) directly. The business name, address, and, if available, telephone number of the source(s) of information contacted in connection with your dispute can be found in the “Investigation Results” document sent at the conclusion of your investigation. If you need to dispute information on your credit report in the future, you may dispute directly with TransUnion online at https://www.transunion.com/credit-disputes/dispute-your-credit. Should you have any further questions, please contact • www.transunion.com • (800) 916-8800 • P.O. Box 2000 Chester, PA 19016-2000